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As one of the largest providers of benefit consulting and administration services to Southern Ontario for more than a decade, we help you to take advantage of our flexible solutions to develop pension, health and group benefit strategies.
Insurance products, including segregated fund policies, are offered through Horizon Financial Group Inc., and investment representatives Marc Sayer, Valerie Sayer, Conner Anastakotos, offer mutual funds and referral arrangements through Quadrus Investment Services Ltd. Any activity in relation to the titles of President and Chief Investment Officer and Vice President and Senior Financial Advisor, are in related to insurance business only and is not the business of/or under the supervision of Quadrus Investment Services Ltd.
2021 Year-End Tax Tips for Business Owners
/in 2021, Blog, Business Owners, corporate /by Horizon FinancialWe’re approaching the end of the year, so it’s time to review your business finances. We’ve put together an article highlighting the most critical tax-planning tips you need to know as a business owner.
We’ve focused on:
• How to determine the right salary and dividend mix.
• The best ways to handle compensation.
• How to make sure you can take advantage of the small business deduction.
• What you need to know about depreciable assets and charitable donations.
• How to make the most of Covid-19 relief programs.
Why Should I Review My Life Insurance?
/in Blog, life insurance /by Horizon FinancialIt’s important to review your life insurance regularly to ensure your policy is up-to-date and see if you require any coverage changes. Here are some reasons you may need to update your life insurance:
• You’ve gotten married or divorced or had a baby.
• You’ve changed jobs.
• You’ve taken on some debt.
• You’re supporting additional family members.
• You’ve bought a new home.
• A loved one has a change in their health.
When should I buy life insurance?
/in Blog, life insurance /by Horizon FinancialLife insurance is something you can use at any age. Whether you’re in your 20s or approaching retirement, you can benefit from having life insurance. Our article, “When should I buy life insurance”? can help you understand:
• What the two main types of life insurance are – term and permanent
• When term insurance is better for you and when permanent insurance is
• How life insurance can benefit you at different ages
• What costs life insurance can help your loved ones’ cover
“Final Pivot” – COVID-19 Emergency Benefits expire October 23rd, replaced by targeted supports
/in Blog, Coronavirus /by Horizon FinancialOn Thursday, October 22nd, Deputy Prime Minister and Finance Minister Chrystia Freeland announced the “final pivot in delivering the support needed to deliver a robust recovery.” This “Final Pivot” means several existing pandemic support programs for individuals and businesses will expire on October 23rd, 2021:
– Canada Recovery Benefit (CRB)
– Canada Emergency Rent Subsidy (CERS)
– Canada Emergency Wage Subsidy (CEWS)
The Five Steps to Investment Planning
/in Blog, Financial Planning, Investment /by Horizon FinancialAn investment advisor can help you figure out what the right investment choices are for you.
The five steps to investment planning are:
• Meeting your investment advisor
• Determining your goals and expectations
• Developing your investment plan
• Implementing your investment plan
• Monitoring the plan
The sooner you start planning for retirement, the sooner you can get there! An investment advisor can help you get there quicker.